Miller Insurance Brokers

What Miller Insurance Brokers does

Miller Insurance Brokers is an independent insurance brokerage founded in 1899 in Southwestern Ontario, originally as Jackson Bros. Agency and rebranded under the Miller Insurance name in 1985. Operating as a subsidiary of Collectivfide Insurance Brokers Inc. (itself a subsidiary of Collectivfide Insurance Group Inc.), the brokerage serves individuals, families, farms, and small-to-medium businesses across Grey, Bruce, Huron, Perth, and Wellington counties through seven physical office locations (Hanover, Kincardine, Owen Sound, Port Elgin, Teeswater, Clifford, Harriston) and a client portal branded Miller Express for policy management, claims reporting, certificate requests, and bill payment. The firm employs 45+ people organized around dedicated team leads for Commercial Lines, Commercial & Farm Solutions, Personal Lines, Internal Underwriting, Technical Service, and Risk Management, under a leadership team headed by President Todd Farrell.

The brokerage distributes a comprehensive portfolio of personal lines (auto, home, umbrella, watercraft), farm, business insurance (Business Owner's Policy, commercial property, liability, cyber, workers' compensation), and six specialized industry verticals (Food & Beverage, Property & Real Estate, Transportation & Fleet, Community/Non-Profit/Institutions, Professional & Service-Based, Retail/Wholesale/Distribution), supplemented by add-on coverages such as travel, high-net-worth, pet, and wedding insurance. It represents 15+ insurance carriers — including Aviva Canada, CAA, Coachman, Echelon/Definity, Germania, Gore Mutual, HD Mutual, Howick Mutual, Intact, Jevco, SGI, Travelers, Trillium Mutual, and West Wawanosh — earning commission revenue on placed and renewed policies. The core technology stack is a standard brokerage platform with the Miller Express client portal; no proprietary AI/ML capabilities, patents, or technology products are disclosed.

The business model is commission-based with recurring annual and monthly premium cycles. Go-to-market is sales-led, relying on local broker relationships, community sponsorships, content marketing via the company blog, toll-free phone, email, and online quote-request forms. Pricing is quote-based and not publicly disclosed; commissions are negotiated with carrier partners and scaled with premium volume. Customer concentration is low, with a long-tail base of individual and SMB policyholders and no disclosed enterprise anchor accounts.

Name

Miller Insurance Brokers

Legal name

Miller Insurance Brokers o/b Collectivfide Insurance Brokers Inc.

Website

https://millerinsurance.ca

Company type

Private

Founded year

1899

Operating status

Operating

Headcount range

51–100 employees

Short description

Miller Insurance Brokers is an independent insurance brokerage founded in 1899, serving individuals, farms, and SMBs across Southwestern Ontario through seven office locations and a client portal, earning commissions on policies placed with 15+ insurance carriers.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Insurance brokerage
• Personal insurance
• Commercial insurance
• Farm insurance
• Property insurance

Headquarters

HQ city

Kincardine

HQ country

Canada

HQ region

North America

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: As an independent insurance broker, Miller Insurance Brokers earns commissions from insurance companies for placing and renewing policies on behalf of clients. The brokerage represents multiple insurance carriers (Aviva, CAA, Coachman, Echelon, Definity, Germania, Gore Mutual, HD Mutual, Howick Mutual, Intact, Jevco, SGI, Travelers, Trillium Mutual, West Wawanosh) and receives compensation when clients purchase or renew coverage through these partners.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Miller Insurance Brokers is an independent insurance brokerage that places, manages, and renews personal, farm, and business insurance policies on behalf of clients across Southwestern Ontario. Operating through seven physical office locations, the brokerage represents more than 15 Canadian insurance carriers (including Aviva, CAA, Intact, Gore Mutual, Definity, Travelers, and several Ontario mutuals) to source and tailor coverage for individuals, families, farms, and businesses.

Product overview

Miller Insurance Brokers is a traditional insurance brokerage offering a comprehensive portfolio of insurance products and services through multiple specialized categories. The company provides personal insurance (auto, home, umbrella, watercraft), business and farm insurance, and industry-specific specialized insurance across food & beverage, property & real estate, transportation & fleet, community/non-profit/institutions, professional services, and retail/wholesale/distribution sectors. The product architecture follows a multi-line insurance model where core products (auto, home, business, farm) form the foundation, supplemented by specialized industry programs (independent driver program) and add-on coverages (umbrella, travel, high net worth, pet, wedding insurance). The company operates as part of the Collectivfide Brokerage Network, offering access to multiple insurance carrier partners including Aviva Canada, CAA Insurance, Coachman Insurance, Echelon/Definity, Germania Insurance, Gore Mutual, Intact Insurance, and others.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Comprehensive auto insurance coverage for automobiles, motorcycles, classic cars, recreational vehicles, snowmobiles, and off-road vehicles, including standard uninsured automobile protection and accident benefits, plus optional add-ons such as collision, comprehensive, and rental car coverage, for individual vehicle owners.
• Home Insurance Property insurance protecting homes and belongings from fire, natural disasters, pipe leaks, and property damage, with coverage options for homeowners, condominiums, tenants, secondary homes, rental properties, and mobile homes.
• Umbrella Insurance Extra liability protection beyond standard property, auto, or business policies, covering property damage liability, bodily injury liability, lawsuits, and watercraft liability.
• Watercraft Insurance Insurance coverage for boats and watercraft including physical damage, emergency services, third-party liability, personal property, wreck removal, and uninsured watercraft coverage.
• Farm Insurance Comprehensive farm insurance protecting home, buildings, equipment, vehicles, livestock, crops, and business liability including farm property, farm liability, farm equipment, field crops, livestock, and pollution coverage for Ontario farmers.
• Business Insurance Business Owner's Policy (BOP) combining property and liability coverage for small to medium businesses, including business auto, business income, commercial umbrella, crime, cyber liability, directors and officers, employment practices, environmental, errors and omissions, and workers' compensation insurance.
• Independent Driver Program Exclusive insurance program for alcohol delivery drivers working with The Beer Guy, providing auto insurance, auto liability, loss of use coverage, and commercial general liability.
• Food & Beverage Industry Insurance Industry-specific coverage including brewery insurance, winery insurance, and restaurant insurance with protections for property, equipment, spoilage, liability, and business operations.
• Property & Real Estate Industry Insurance Coverage for property managers, real estate investors, and condo buildings including condo building insurance, property manager insurance, and real estate investor insurance with property damage, liability, and income protection.
• Transportation & Fleet Industry Insurance Transportation industry coverage including trucking insurance, fleet insurance, aviation insurance, and garage repair shop insurance protecting vehicles, drivers, cargo, and operations.
• Community, Non-Profit & Institutions Insurance Coverage for community-focused organizations including church insurance, municipality insurance, non-profit insurance, and golf course insurance with property, liability, and operational protections.
• Professional & Service-Based Industry Insurance Insurance for contractors, technology firms, professional services, fitness centers, and medical offices including general liability, business auto, professional liability, and employment practices coverage.
• Retail, Wholesale & Distribution Industry Insurance Coverage for retail businesses, wholesalers, distributors, manufacturers, and cannabis operations including property, liability, business interruption, product liability, and cargo insurance.
• Travel Insurance Travel coverage protecting against medical emergencies, trip cancellation, lost baggage, travel delays, personal liability, and providing 24/7 emergency assistance.
• High Net Worth Insurance Customized insurance approach for individuals with significant assets, combining coverage for homes, vehicles, travel, and life insurance with specialized solutions for unique risks.
• Pet Insurance Coverage for veterinary costs from accidents, illnesses, and other medical needs with options for accidents only, accidents and illnesses, or comprehensive coverage.
• Wedding Insurance Event coverage protecting against postponements, property damage to wedding attire and rings, and vendor or service supplier failures.

Named customers8 records

Segments10 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

16 partnerships are on record, tiered core and supporting.

• Collectivfide Insurance Brokers Inc.coreChannel Partner/ Reseller/ DistributorCollectivfide Insurance Brokers Inc. is the parent company and brokerage network partner of Miller Insurance Brokers. The partnership provides access to a broader selection of insurance policies from more insurance companies, expert guidance backed by 150+ years of collective insurance experience, cost savings through network purchasing power, and a Community Involvement and Donation Matching Program for local initiatives. Miller Insurance Brokers operates under Collectivfide Insurance Brokers Inc., a subsidiary of Collectivfide Insurance Group Inc.
• Aviva CanadacoreOthersAviva Canada is a major insurance partner providing auto, home, and business insurance products through Miller Insurance Brokers. Miller offers Aviva coverage to clients seeking comprehensive protection with competitive pricing.
• CAA Insurance CompanycoreOthersCAA Insurance Company provides auto, home, travel, and specialty insurance products. Miller Insurance Brokers offers CAA coverage options to clients seeking trusted brand coverage with member benefits.
• Intact InsurancecoreOthersIntact Insurance is a leading Canadian insurance provider offering personal and commercial coverage. Miller offers Intact Insurance products as part of their carrier portfolio.
• Gore MutualcoreOthersGore Mutual Insurance Company is a Canadian mutual insurer providing personal and commercial coverage. Miller Insurance Brokers represents Gore Mutual for clients seeking mutual company coverage.
• Coachman InsurancesupportingOthersCoachman Insurance provides specialized coverage options. Miller offers Coachman products as part of their diversified carrier network.
• Echelon InsurancesupportingOthersEchelon Insurance (part of Definity Financial) provides personal and commercial insurance products. Miller offers Echelon coverage through their carrier network.
• DefinitysupportingOthersDefinity Financial Corporation is a Canadian insurance provider operating multiple brands including Echelon Insurance. Miller represents Definity products.
• Germania InsurancesupportingOthersGermania Insurance is a mutual insurance company serving Ontario communities. Miller offers Germania coverage particularly for farm and rural clients.
• HD MutualsupportingOthersHD Mutual provides insurance coverage for Ontario communities. Miller offers HD Mutual products as part of their carrier options.
• Howick MutualsupportingOthersHowick Mutual Insurance offers coverage for Ontario residents and businesses. Miller represents Howick Mutual for community-based insurance needs.
• JevcosupportingOthersJevco Insurance provides specialty insurance products. Miller offers Jevco coverage options for clients with specialized insurance needs.
• SGI InsurancesupportingOthersSGI Canada provides auto, home, and business insurance primarily in Saskatchewan with expansion to other provinces. Miller offers SGI products.
• TravelerssupportingOthersTravelers Canada provides commercial and personal insurance products as part of a global insurance group. Miller offers Travelers coverage options.
• Trillium MutualsupportingOthersTrillium Mutual Insurance Company serves Ontario communities with personal and commercial coverage. Miller represents Trillium Mutual.
• West WawanoshsupportingOthersWest Wawanosh Mutual Insurance Company provides coverage for Ontario communities. Miller offers West Wawanosh products for local clients.

Scale indicators3 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Westland Insurance Group: Canadian independent brokerage operating across Western Canada with similar multi-carrier, multi-line personal/commercial/farm offerings. Compares to Miller as a regional independent brokerage platform with community focus.
• Acera Insurance: Major Canadian independent brokerage formed through roll-up of multiple regional brokerages, offering personal, commercial, and specialty lines. Comparable as a multi-branch independent brokerage network similar in operating model to Miller.
• Cowan Insurance Group: Canadian independent insurance brokerage providing personal, commercial, and specialty coverage through multiple offices. Competes directly with Miller in commercial and specialty segments with similar multi-carrier representation model.
• BrokerLink: One of Canada's largest independent insurance brokerages with hundreds of branches across Ontario and other provinces. Directly competes with Miller in personal and commercial lines via multi-carrier representation and local broker relationships.

Broad incumbents

• Marsh Canada: Global insurance broker and risk advisor with Canadian operations focused on commercial and specialty lines. Indirectly competes with Miller's commercial and specialty practices for larger accounts.
• Intact Insurance (direct channels): Canada's largest P&C insurer operating direct-to-consumer brands (Sonnet, Belairdirect) and traditional broker distribution. Miller places business with Intact but also competes against its direct channels for personal lines customers.
• Hub International (Canada): Large North American insurance brokerage with Canadian operations covering personal, commercial, and specialty lines. Competes with Miller for commercial and specialty accounts, with greater resources and national reach.

Others

• Definity Financial Corporation: Canadian P&C insurer operating brands including Echelon, Definity, and Sonnet. Functions as both a carrier partner (Miller places business with Echelon/Definity) and a competitive threat via Sonnet direct-to-consumer.
• Collectivfide Insurance Group: Parent platform of Miller Insurance Brokers operating other Ontario-based independent brokerages. Sister companies within the Collectivfide network share carrier relationships, back-office resources, and the brokerage network strategy.

Emerging players

• Mitch Insurance: Canadian digital-first insurance brokerage offering personal and small business coverage online with broker support. Represents the digital-native threat to traditional brokerages like Miller in personal lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/MillerInsurBr

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Miller Insurance Brokers